Both, depending on what you actually need. If you are raising finance or approaching a bank, a fuller business plan with narrative and projections is usually required. If you are planning internally for the year ahead, a detailed financial forecast and budget is often more useful in practice. We will tell you honestly which one fits your situation.

Business planning and forecasting work is priced on a fixed-fee basis — either as a standalone piece of work or included within an ongoing advisory package. The cost depends on the complexity of your business and what level of support you need going forward. We will give you a clear figure before any work starts.

Yes, and this is not an unusual starting point. Before meaningful projections can be built, the underlying figures need to be reliable — so if there is catch-up bookkeeping to do, we deal with that first. The cost and timeframe for getting up to date will be explained clearly before we start.

No. There is no minimum term and no penalty for leaving. If you decide the arrangement is not working, you give us notice and we hand over everything cleanly — your books, your plan, your data. Nothing is withheld.

Yes. If you are approaching a lender or investor, the forecast format and level of detail matters. We are familiar with what banks and investors typically expect to see and can structure projections accordingly — including sensitivity analysis if the conversation warrants it.

A financial plan that ignores tax is only half a plan. As part of the planning process, we factor in corporation tax or income tax liabilities so you can see your net position rather than just your gross profit. That way, cash set aside for tax is built into the plan from the start rather than discovered at year end.